Terms & Conditions

Introduction

Welcome to Phoenix Lender Services (“Phoenix,” “PHX,” “we,” “our,” or “us”). By accessing or using our website and services, you agree to comply with and be bound by these Terms & Conditions. Please read them carefully. If you do not agree, you should not use our website or services.

Relationship Between Phoenix, CBT, and CBI

Phoenix Lender Services is a wholly owned subsidiary of Community Bankshares Inc. (CBI), the parent company of Community Bank & Trust of West Georgia (CBT).

  • Community Bank & Trust (CBT) is a state-chartered financial institution and a member of the FDIC.

  • Phoenix Lender Services (PHX) operates as a Lender Service Provider (LSP) and loan originator, providing operational, processing, and marketing support for SBA, USDA, and other commercial loan programs.

  • Community Bankshares Inc. (CBI) is the holding company that oversees both CBT and Phoenix.

When Phoenix provides loan origination or servicing activities, such activities are conducted in partnership with CBT or other approved bank partners. Phoenix itself is not a bank, does not accept deposits, and does not independently fund loans.

Any banking products—such as deposit accounts, treasury services, or loans funded directly by a bank—are provided by Community Bank & Trust (CBT) or other regulated financial institutions. Phoenix facilitates these services as a licensed LSP and originator but does not itself carry FDIC insurance.

Eligibility

To use our services, you must be at least 18 years of age and legally able to enter into contracts. You agree to provide accurate, complete, and current information during any application or registration process.

No Guarantee of Financing

Submitting an application through Phoenix does not guarantee approval or funding. Loan approvals are subject to underwriting, regulatory requirements, credit review, and the lending policies of CBT or other bank partners.

Use of Website and Content

The website and its content are provided for informational purposes only. Unauthorized use of this website may give rise to a claim for damages and/or be a criminal offense. You may not copy, reproduce, or redistribute content without prior written consent.

Privacy

Your use of our website and services is also governed by our Privacy Policy. Phoenix may share information with CBT and CBI as necessary to provide services, comply with regulations, and improve customer experience.

Limitation of Liability

Phoenix, CBT, and CBI shall not be liable for any indirect, incidental, or consequential damages arising from your use of our website or services. All financial products are subject to the terms of the applicable agreements you enter into at the time of funding or account opening.

Intellectual Property

All logos, trademarks, and service marks of Phoenix, CBT, and CBI displayed on this website are the property of their respective owners.

Governing Law

These Terms shall be governed by and construed under the laws of the State of Georgia, without regard to conflict of law provisions.

Contact Information

For questions about these Terms, please contact us at:

Phoenix Lender Services
[email protected]